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Kotak Mahindra Bank
VISA
811 #DreamDifferent

Kotak Mahindra Bank 811 #DreamDifferent

A lifetime-free, FD-secured credit card for students and first-time credit users with no income-proof requirement.

first-timersstudentsfees-free

Also available on RuPay

Kotak Mahindra Bank 811 #DreamDifferent is issued on more than one network — each has different rewards and lounge access.

  • Kotak Mahindra Bank
    RuPay
    811 #DreamDifferent

    RuPay variant

    Same FD-secured, lifetime-free card as the Visa variant, but on the RuPay network — which means it can be linked to UPI apps (Google Pay, PhonePe, etc.) for QR-code payments against the card's credit limit, something the Visa variant cannot do. Unlike the Visa 811 record, this variant's existence isn't confirmed by a dedicated first-party Kotak product page — Kotak's official RuPay-cards listing page covers a different, unrelated product, and the 811 product page itself doesn't name a network. The sole corroborating source is a Desidime community forum thread describing the RuPay launch (and claiming it may carry richer rewards in some periods, unconfirmed). This record uses the same documented Visa reward rates rather than that unconfirmed higher figure, but treat the variant's existence itself with more caution than a first-party-confirmed sibling.

Last reviewed 13 July 2026

Fees

Joining fee

₹0

Annual fee

₹0

Waiver: Lifetime free: no joining or annual fee ever charged

Eligibility

Age: 18–75 yrs

Employment: salaried, self employed, business owner, student

Rewards

online shopping4x points
all other1x points

Welcome benefits

  • • Milestone voucher worth ₹1,000 every year on eligible spends

Perks

  • ✓Fuel surcharge waiver: 1%
  • ✓Forex markup: 3.5%
  • ✓Card issued against a fixed deposit of ₹10,000+ (minimum 181-day tenure); no income proof required
  • ✓Credit limit up to 90% of the fixed deposit amount
  • ✓Interest-free cash withdrawals for up to 48 days
  • ✓1.8% railway surcharge waiver on IRCTC, max ₹500/year
  • ✓Reward points never expire

Common questions

What is the annual fee on the Kotak Mahindra Bank 811 #DreamDifferent?
The joining fee is ₹0. The annual fee is ₹0. Lifetime free: no joining or annual fee ever charged
What are the reward rates on the Kotak Mahindra Bank 811 #DreamDifferent?
Kotak Mahindra Bank 811 #DreamDifferent earns 4x points on online shopping, 1x points on all other spends.
Does the Kotak Mahindra Bank 811 #DreamDifferent offer airport lounge access?
No, the Kotak Mahindra Bank 811 #DreamDifferent does not include complimentary airport lounge access.
Who is eligible for the Kotak Mahindra Bank 811 #DreamDifferent?
Applicants typically need a minimum age of 18, and must be salaried or self employed or business owner or student. Exact criteria are set by Kotak Mahindra Bank and can vary by application.
Is the Kotak Mahindra Bank 811 #DreamDifferent available on other networks?
Yes, it's also issued on RuPay. Same FD-secured, lifetime-free card as the Visa variant, but on the RuPay network — which means it can be linked to UPI apps (Google Pay, PhonePe, etc.) for QR-code payments against the card's credit limit, something the Visa variant cannot do. Unlike the Visa 811 record, this variant's existence isn't confirmed by a dedicated first-party Kotak product page — Kotak's official RuPay-cards listing page covers a different, unrelated product, and the 811 product page itself doesn't name a network. The sole corroborating source is a Desidime community forum thread describing the RuPay launch (and claiming it may carry richer rewards in some periods, unconfirmed). This record uses the same documented Visa reward rates rather than that unconfirmed higher figure, but treat the variant's existence itself with more caution than a first-party-confirmed sibling.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

Best rate
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4x points
₹
1x points
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